Ending poverty through business MyC4 – general introduction

What is MyC4.com ? MyC4 is an online platform which facilitates capital exchange for those with the least access to it in the form of loans African business (Uganda, Kenia, Cote D’ivoire, more to come) in the micro to meso-segment (250 to euro) Loan duration 4 to 36 months (average of 12 months) Fully web2.0 enabled with open APIs in the pipeline Strong community driven approach Bid against other investors using the Dutch auction method

What is MyC4.com ? Investors upload money to MyC4 and start to bid Two types of users: Ordinary people like you & me (98% of the users – 50% of the capital) High capital users (private equity, 2% of the users – 50% of the capital) Investors bid against each other based on interest rate Lower interest bids push out high interest bids Market decides the best interest rate Charity-like bids are possible (min. 2% p.a.)

What is MyC4.com ? All sorts of African business are available Fishing and farming Manufacturing/construction Raw material processing/trading Retail Services The investment has to conform to the U.N. Millennium Development Goals Due diligence of each investment is performed locally

MyC4 - the concept Investors MyC4 Provider/Lender Business Investments & repayments Due diligence Disbursements Collecting repayments Local Online

MyC4 – key differentiators Over 88% to 94% of each Euro reaches the African business Non-comparable to traditional charity Highly competitive interest rates Not just 2% p.a. difference, but more over 20% p.a. difference People directly see where they invest into Connects people, creates intimacy Stimulates local economy MyC4 development center located in Kampala, Uganda Primary provider (FED) grown to 42 employees out of 3

MyC4 – benefits and risks for investors Benefits: High interest rates (over 7% p.a. easily achievable) Solid alternative to charity It’s fun! Risks: Currency exchange losses Political/ethnic instability (e.g. Kenia) Loans can be defaulted

An example of a typical investment on MyC4 Description Business can specify the wanted interest rate Insight in total costs

An example of a typical investment on MyC4 You can only bid below the highest bid! At 11.5% or lower p.a.